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Today's PAD £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £238
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Wildflowers sound beautiful.
You are gently getting your house and garden back to what you'd like. It's all progress. It's hard enough for me - with just me in the house - I never made much progress when there was 4 of us at home.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
Thank you. We are making progress, and I do need to recognise it more. It's definitely harder with the others as they don't want to get rid of stuff!savingholmes said:Wildflowers sound beautiful.
You are gently getting your house and garden back to what you'd like. It's all progress. It's hard enough for me - with just me in the house - I never made much progress when there was 4 of us at home."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
That’s so true, it’s almost impossible to organise other people into decluttering 😞Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
It's very frustrating isn't it.WinterWarrior said:That’s so true, it’s almost impossible to organise other people into decluttering 😞"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Today's PAD £11 (survey cashout)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £249
I should have added another £1
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Well done with garden progress and PADs
Enjoy the garden at all stages of its improvement.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
You will add the £1 tomorrow 😊I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Thank youdoingitanyway said:Well done with garden progress and PADs
Enjoy the garden at all stages of its improvement.
I certainly didbeanielou said:You will add the £1 tomorrow 😊
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Today's PAD £15 (survey cashout
), yesterday £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £266
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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